Secure Your Vision with Tailored Commercial Property Mortgages

Rainstone delivers the certainty, speed, and flexibility your business needs to grow. We provide commercial mortgage loans built around the strength of your deal, not just the paperwork.
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AWARDS
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SERVICES

Strategic Commercial Property Mortgage & Finance Solutions

Rainstone provides the funding you need to buy, build, or grow your business. We offer fast approvals on every commercial mortgage and financing, streamlining your loan process.

Commercial Mortgages

Core Asset Financing

Our flagship commercial property mortgage products are designed for both owner-occupiers and investors. Get market-leading rates on warehouses, retail units, and office blocks.

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Empowering your business with fast, flexible capital.

Development Mortgages

Ground-Up Construction

Funding

A specialist commercial building mortgage for developers. We provide staged funding for new builds, residential conversions, and large-scale commercial refurbishments.

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Commercial
Finance

Strategic Capital Management

Broad-spectrum commercial finance solutions for business owners. We help you restructure debt, improve cash flow, and secure the liquidity needed for large-scale operations.

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Business Loans

Operational Growth Capital


Fast-access commercial mortgage loans and business credit lines. Move quickly on inventory, equipment, or expansion opportunities with flexible repayment terms.

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Bridging Finance

Time-Sensitive Property Funding When a standard commercial property mortgage loan takes too long, our bridging finance fills the gap. Perfect for auction purchases or rapid acquisitions needing a 7-day turnaround.
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Testimonials

Proven Commercial Funding Success

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4.9
Google reviews

We needed a broker who actually understood our balance sheet, not just a standard application form. Rainstone cut through the red tape and secured the funding our high-street bank wouldn’t even consider. They took the entire financing headache off my plate. If you need a commercial deal delivered on time, these are the people you call.

Carlos Martines
MEX – CEO

“Partnering with Finovate was a game-changer for us. They took the time to understand our challenges and helped us streamline our operations for success.”

Kate Smith
Swirl – CEO & President

“I hired Finovate for a small project & was very happy. He not only answered all my questions, but he didn’t treat me like a “small project”.
I was very satisfied & would recommend.”

Rebecca Roy
H&N – CEO & President
Our Process

Why Choose Rainstone for Your

Commercial Mortgage?

Fast Approvals
Receive mortgage decisions in just 48 hours, saving time.
High LTVs
Access market-leading LTVs to retain more capital for growth.
Expert Underwriting
Our team evaluates every property to maximise its potential.
Tailored Terms
Flexible mortgage options aligned with your investment strategy.
Specialist Funding

Grow Your Business Across the UK with the Right Commercial Property Mortgage

Fee Structure 

Understand your commercial property mortgage costs from the start, including arrangement, legal, and valuation fees, with no hidden surprises.

View Commercial Mortgage Fees

Funding Alternatives

Explore bridging finance, asset-based lending, or unsecured loans when a standard commercial mortgage isn’t enough.

Explore Mortgage Alternatives

Choosing the Best Deal

Compare interest rates, LTV ratios, and repayment terms to find the right commercial finance fit. 

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Rapid Approval

From a 60-second digital application to a formal commercial mortgage loan offer in just 48 hours.

Start Your Application
Instant Calculations

Estimate Mortgage Repayments

Commercial Funding Builds Wealth Steps to Take Next
Check your potential LTV to plan property acquisition.
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FAQ

Frequently Asked Questions

Answers from Rainstone mortgage brokers UK experts today

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Yes. Rainstone is a national specialist, funding business premises and investments across England, Scotland, and Wales. Whether you are acquiring an office in London, a warehouse in Manchester, or a retail unit in Birmingham, we provide a fast decision for all UK commercial property.
Yes. Every advisor at Rainstone is FCA-regulated to provide impartial, whole-of-market commercial finance advice. This ensures your UK business mortgage is handled with total transparency and adheres to the highest financial standards, protecting your interests.
We typically secure up to 80% LTV commercial mortgages for most asset classes. The specific ratio depends on the property’s location; however, we often utilise existing equity in other UK real estate to reduce the cash deposit required for your new acquisition.
Bridging loans are short-term solutions designed to fund rapid UK property auctions or bridge the gap between transactions. Unlike a standard commercial property mortgage, bridging focuses on speed, allowing you to secure assets in days by bypassing traditional bank delays.
Efficient. While high-street banks can take months, we provide a formal commercial mortgage offer in principle within 48 hours. Following a RICS valuation and legal due diligence by UK solicitors, we aim to move from application to full funding within 21 days.
Yes. We support ground-up construction and residential conversions across the UK. Our team structures your property development finance with staged drawdowns, ensuring capital is released in line with your build schedule and the UK planning system.